until it happened to us. then it was too late. >> and ryan tells me nobody from the bank ever told his dad about the insurance for a student loan which can end up costing less than 1% of the loan amount. tomorrow morning at 6:12, how the bryski case sparked new legislation up on capitol hill before they find themselves in a similar situation. >> heart wrenching. absolutely. now, what about power of attorney? did christopher's parents have that? would that have helped? >> it would have helped a lot. and, in fact, they did not have it. and you need to think about that if you're going to co-sign for a loan. because, remember, if you don't have power of attorney, you can't access your kid's bank accounts. you can't necessarily deal with the kid's finances and it's very hard to renegotiate the loan payment. if you do get into a situation like christopher's family, just called lender. ask to speag to the om buds man. that person may be able to cult through some of the red tape and get you some help. >> good advice.